<![CDATA[Financial well-being is a concern for platform-based ride-hailing drivers facing income uncertainty. Evidence remains limited on the behavioural pathways connecting financial literacy and financial self-efficacy with financial well-being in this occupational context. This study examines whether financial behaviour mediates these associations among drivers in Malang City, Indonesia. Grounded primarily in Social Cognitive Theory and informed by selected Theory of Planned Behaviour concepts concerning perceived capability, the study used a cross-sectional survey of 150 drivers recruited through purposive sampling. Data were analysed using partial least squares structural equation modelling (PLS-SEM). Financial literacy and financial self-efficacy were positively associated with financial behaviour and financial well-being. Financial behaviour showed positive indirect associations linking both antecedents to financial well-being, while their direct associations remained significant, indicating complementary partial mediation. These findings provide context-specific evidence that financial behaviour represents one pathway connecting cognitive and psychological resources with financial well-being. They suggest that financial capability programmes for drivers could combine financial education with support for financial management practices and self-efficacy development.]]>
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